The Moat You Thought You Had? It’s Been Breached
Pandemic. Near-zero rates. Surge deposits. Those were the days. The realm was secure from interlopers – or so it seemed.
READ TIME: 6 MINS
September 21, 2023
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Curinos Review Fall 2023
Welcome to the Fall 2023 issue of the Curinos Review. No one needs to be reminded that profits at many traditional banks are under intense pressure. But while unfavorable lending performance drove many past downturns, the current challenges are emanating from the liability side of the balance sheet.
READ TIME: 3 MINS
September 21, 2023
Curinos Perspective: The Risk Of “Magical Thinking” In A Fed Funds Plateau
We see complacency among many bankers who feel that a Fed plateau will ease pressures on deposit betas. Prior cycles show that betas keep climbing even after the Fed Funds rate peaks, and significant back books in both commercial and consumer are yet to reprice.
READ TIME: 6 MINS
September 20, 2023
Curinos Perspective: Fed Hikes Again, Banks Dig In For Higher For Longer
After a brief, one-meeting pause in June, the Fed’s Federal Open Market Committee (FOMC) raised the Federal Funds rate by .25% to a target range of 5.25% to 5.5%.
READ TIME: 8 MINS
July 26, 2023
Curinos Review Summer 2023
Welcome to the Summer 2023 issue of the Curinos Review. The liquidity crisis may have abated somewhat, but with net interest margins continuing to compress and loan volume and risk appetite both subdued, the attention now turns to profitability.
READ TIME: 5 MINS
June 28, 2023
Curinos Perspective: Fed Pauses, But What Lies Ahead Is Less Clear
Today, the Fed announced a pause in rate hikes, leaving the benchmark Federal Funds rate unchanged at 5.00% — 5.25%, while leaving the door open for future rate increases.
READ TIME: 9 MINS
June 14, 2023
Curinos Perspective: Fed Hikes Again – Implications For A Potential Plateau
The Fed raised the Fed Funds rate by another 25 basis points to a range of 5.00% to 5.25%.
READ TIME: 12 MINS
May 3, 2023
Curinos Review Spring 2023
Welcome to the Spring 2023 issue of the Curinos Review. Net interest margins (NIM) are at the very root of banking. Everything flows from NIM – decisions on which products to offer, what rate to charge, what asset mix to pursue and how expenses should be managed.
READ TIME: 4 MINS
March 21, 2023
Curinos Review Winter 2022
“Grab The Brass Ring” is filled with articles about the opportunities that await financial-services providers in these tumultuous times.
READ TIME: 4 MINS
December 19, 2022